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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,833 | $135,645-84.6% | $110,243-81.1% | $135,380-84.6% |
| Participation rate | 40.0% | 83.5%-43.5pp | 79.8%-39.8pp | 82.6%-42.6pp |
| Annual return | -7.16% | 513.24%-520.4pp | 314.76%-321.9pp | 519.81%-527.0pp |
| Employer contribution / active EE | $1,902 | $4,907-61.2% | $3,827-50.3% | $4,779-60.2% |
| Participant deferral / active EE | $3,825 | $5,507-30.5% | $4,672-18.1% | $5,609-31.8% |
| Admin fee / account holder | $6,964 | $11,458-39.2% | $8,548-18.5% | $10,828-35.7% |